Trip cancellation means an event occurring before your departure date, causing you to cancel your trip or a portion of your trip.

Trip Cancellation Insurance will help you cover the costs of losses associated with your trip cancellation.

There are many types of events (or risks) that are covered under Trip Cancellation Insurance. We'll list them under each category and give a breif summary. It is always best to refer to the policy wording to review all the edetails. As with any type of insurance, all events must be unforseen and unexepected.

Health

• Basically any medical emergency that will prevent you from travelling. 
• These can include hospitalization, medical treatments, etc.
• These events also include the events of your travelling companion and/or children.

Emplyment and Education

• Involuntary job loss
• Unexpected employment relocation
• Cancellation of business meetings
• Cancellation of conventions, conference, seminar, etc.

Legal

• Jury duty, summons to court as a witness, etc.
• Summons to police, fire, paramedic or military service
• Travel advisories issued by the Government of Canada
• Non-issuance of visa to you or your travel companion

Cancellations and Delays

• Missed connections
• Cancellation of flight by the airline
• Cancallation by tour company
• Accident on the way to your departure
• Natural disasters
• Any unforseen event to your primary residence or place of business (for example, fire, flood, etc)

Trip interruption means an event occurring on or after your departure date causing you to disrupt your trip as originally scheduled or interrupt your trip and return earlier or later than your return date.

Trip Interruption Insurance will help you cover the costs of losses associated with your trip cancellation.

There are many types of events (or risks) that are covered under Trip Interruption Insurance. We'll list them under each category and give a breif summary. It is always best to refer to the policy wording to review all the edetails. As with any type of insurance, all events must be unforseen and unexepected.

Health

• Basically any medical emergency that will prevent you from travelling. 
• These can include hospitalization, medical treatments, etc.
• These events also include the events of your travelling companion and/or children.

Emplyment and Education

• Involuntary job loss
• Unexpected employment relocation
• Cancellation of business meetings
• Cancellation of conventions, conference, seminar, etc.

Legal

• Jury duty, summons to court as a witness, etc.
• Summons to police, fire, paramedic or military service
• Travel advisories issued by the Government of Canada
• Non-issuance of visa to you or your travel companion

Cancellations and Delays

• Missed connections
• Cancellation of flight by the airline
• Cancallation by tour company
• Accident on the way to your departure
• Natural disasters
• Any unforseen event to your primary residence or place of business (for example, fire, flood, etc)

There aren't really any benefits with this type of coverage other than the reimbursement of the costs associated with your trip.

Visitors to Canada Insurance have the following coverage amounts available:

$10,000 - $25,000 - $50,000 - $100,000 - $150,000 or $300,000

However, we always recommend getting a minimum of $50,000. The reason is becuase this is the minimum amount we consider adequate, plus there is a very small difference in price from $25,000 to $50,000.

Up to the maximum sum insured, the benefits include:

• Emergency hospital
• Emergency medical
• Drugs or medications*
• Paramedical services*
• Emergency return home
• Follow-up visits
• Dental emergencies
• Accidental dental
• Meals and accomodations
• Side-trip outside of Canada**

*Resulting from a medical emergency

**Visitors to Canada insurance will provide coverage in another country as long as at least 51% of your trip is spent inside of Canada

Some companies have the options to purchase insurance with coverage for pre-existing conditions or without coverage for pre-existing conditions.

For coverage with pre-existing conditions, there is usually stability period (90 days to 365 days depending on the age of the insured) that must be met for the coverage to be valid.

Some companies will not cover pre-existing conditions for insureds 86 or older.

Yes, you can purchase Visitors to Canada Insurance after arriving to Canada.

However, there will a waiting period (48 hours to 15 days, depending on age) for any claims for sickness. Accidents will always be covered from day one.

Super Visa Insurance is an Emergency Medical insurance policy for people applying for Super Visa for parents or grandparents.

Super Visa Insurance offers the same benefits and has the same conditions as Visitors to Canada insurance with the only difference being the amount and length of coverage that need to be purchased.

For an insurance policy to be valid for a Super Visa, the following requirments must be met:

• Coverage must be a minimum of $100,000
• The coverage must be for 365 days
• The coverage cannot be cancelled while inside of Canada

All Super Visa Insurance must be purchased with  365 days of coverage.

You can apply to get a refund for the unused portition of your policy provided that there are not claims.

For example, if the insured only plans to stay in Canada for 200 days, they can apply for a refund of the 165 unused days, after they have departed from Canada.

After the insured has departed Canada, you can apply for a refund providing proof of departure.

Usually the proof of departure required is a copy of the boarding pass.

Some companies have the options to purchase insurance with coverage for pre-existing conditions or without coverage for pre-existing conditions.

For coverage with pre-existing conditions, there is usually stability period (90 days to 365 days depending on the age of the insured) that must be met for the coverage to be valid.

Some companies will not cover pre-existing conditions for insureds 86 or older.

International Students Insurance offers a coverage of $2,000,0000.

This is the standard coverage and it is the only option available.

Up to the maximum sum insured, the benefits include:

• Emergency hospital
• Emergency medical
• Drugs or medications*
• Paramedical services*
• Emergency return home
• Follow-up visits
• Dental emergencies
• Accidental dental
• Meals and accomodations
• Side-trip outside of Canada**
• Maternity Benefit
• Psychiatric and phychological care
• Eye examination****
• Physical examination***
• Tutorial services
• Trauma counselling

*Resulting from a medical emergency

**Internation Students Insurance insurance will provide coverage in another country as long as at least 51% of your trip is spent inside of Canada

***When purchased for 12 consecutive months

Pre-existent conditions are covered by default on Internation Student plans as long as they have been stable for 90 days.

Unlike other travel insurance products, Internation Students Insurance has a set price for all ages.

The price is $740 for a year or $2.25 per day.

All prices are in Canadian Dollars and include taxes and fees.